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Comparison: American Express Aeroplan Card vs. TD Aeroplan Visa Infinite

To the point Here's our comparison of two very similar cards: the American Express Aeroplan Card and the TD Aeroplan Visa Infinite Card.

American Express Canada and TD offer two Aeroplan credit cards for travellers:

Welcome bonus

The welcome bonus offered by each of these cards varies according to the promotions.

Here is how the current offer is structured:

With this welcome offer for the American Express® Aeroplan®* Card, you can earn up to 50,000 Aeroplan points.

Here’s how:

  • 20,000 Aeroplan points after spending $1,500 within the first 3 months
  • Up to 30,000 Aeroplan Points, or 2,500 Aeroplan Points per month, after $500 in purchases each month for the first 12 months of membership

With this welcome offer for the TD® Aeroplan® Visa Infinite* Card, you can earn up to 50,000 Aeroplan points.

Here’s how:

  • 10,000 Aeroplan points after first purchase
  • 20,000 Aeroplan Points if you spend $1,500 within 90 days of opening your account
  • 20,000 Aeroplan Points when you spend $7,500 within 12 months of opening your account (an average of $625 per month)
Advantage: TD

Both cards offer the same welcome bonus. In our opinion, TD’s is easier to get in full.

The first 10,000 Aeroplan points are earned through a simple purchase. The rest can be earned with everyday purchases.

Minimum income

The American Express® Aeroplan®* Card requires no minimum income.

The TD® Aeroplan® Visa Infinite* Card requires an annual personal income of $60,000 or $100,000 in annual household income.

Advantage: American Express

Like the vast majority of American Express cards, this Aeroplan card requires no minimum income. If this is important to you, this card is much easier to get.

While the TD® Aeroplan® Visa Infinite* Card requires a higher income.

Annual fee

The American Express® Aeroplan®* Card has an annual fee of $120.

The TD® Aeroplan® Visa Infinite* Card has an annual fee of $139. However, the current promotion reimburses these costs. Therefore, it is free for the first year.

Advantage: TD

The TD® Aeroplan® Visa Infinite* Card is first-year free! Hard to beat this!

Standard earning rate

The two cards offer different point earning rates.

Earning rates

With the American Express® Aeroplan®* Card, you earn:

  • 2 points per dollar on eligible Air Canada and Air Canada Vacations purchases
  • 1.5 points per dollar on restaurant, bar and home delivery purchases
  • 1 point per dollar on everything else

With the TD® Aeroplan® Visa Infinite* Card, you get different levels:

  • 1.5 points per dollar on gas, groceries, Air Canada and Air Canada Vacations
  • 1 point per $1 on all other purchases
Advantage: TD

The American Express® Aeroplan®* Card restricts its highest earning rate to Air Canada and Air Canada Vacations. If you do a lot of spending with these companies, this will benefit you.

With restaurant expenses, you earn 1.5 points per dollar with the American Express Card. Thus, you will get more points with it than with the 1 point of the TD card.

But the TD® Aeroplan® Visa Infinite* Card wins the battle. Since the biggest budget items are groceries and gas, this card is more advantageous: 1.5 points per dollar. It’s better than American Express.

Finally, the game is tied for the other purchases: 1 point per dollar with both cards.

Redeeming points

Both cards are designed for travellers who earn Aeroplan points.

These points are used to book airline tickets with Air Canada, Star Alliance and partner airlines. Browse the Aeroplan flight rewards chart.

You can also use your Aeroplan points for hotel reservations, car rentals or vacation packages with Air Canada Vacations.

With the American Express® Aeroplan®* Card, you earn Aeroplan points only.

With the TD® Aeroplan® Visa Infinite* Card, you earn only Aeroplan points.

It's a tie !

Since both are used to earn Aeroplan points and both are co-branded Aeroplan cards, there is no one card that is better than the other.

Each month, both card transfer points to the cardholder’s Aeroplan account a few days after the statement is issued.

Once Aeroplan Points are in the Aeroplan account, there is no way out: you must use them only within the Aeroplan program. Then, as long as you hold either of these card , your Aeroplan points do not expire.

The Benefits

With the American Express® Aeroplan®* Card, you receive the following benefits:

  • Free Uber Pass for 6 months
  • Free first checked bag for you and up to 8 people travelling on the same reservation
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in net purchases
  • American Express Experiences allows you to purchase tickets to popular events (concerts, plays and special events) before anyone else
  • Wide variety of American Express promotional offers (statement credits on a variety of purchases made at many retailers)

With the TD® Aeroplan® Visa Infinite* Card, you will get:

It's a tie !

Because the TD® Aeroplan® Visa Infinite* Card has more benefits in terms of numbers, it would be a winner.

But it is interesting to analyze those of the American Express® Aeroplan®* Card. In fact, some of these offers are not limited to Air Canada or Aeroplan. They affect many different retailers (1Password, Marriott Bonvoy, Quickbooks, TurboTax, Columbia, Kinton Ramen, etc.).

The choice is yours on this point, as your lifestyle will determine this winner.

Insurance

Insurance Amex Aeroplan New Td Visa Infinite Aeroplan New
Trip Cancellation Insurance No Up to $1,500
Trip Interruption Insurance No Up to $5,000
Out of Province/Country Emergency Medical Insurance No Up to $1,000,000
21 days
Flight delay insurance Up to $500
after 4 hours
Up to $500
after 4 hours
Misdirected Baggage Insurance Up to $500
after 4 hours
Up to $1,000
after 4 hours
Lost or stolen luggage insurance Up to $500 Up to $1,000
Hotel Burglary Insurance Up to $500 Up to $2,500
Car Rental Theft and Damage Insurance Up to $85,000 Up to $65,000
Travel accident insurance $500,000 $500,000
Purchase Protection® Plan 1 additional year 1 additional year
Purchase Protection® Plan Up to $1,000
90 days
Up to $1,000
90 days
Advantage: TD

The insurance offered by the TD® Aeroplan® Visa Infinite* Card is superior. It offers cancellation, trip interruption and emergency medical expenses, which its counterpart does not have at all.

Conclusion

So? Who is the big winner?

For all of its benefits and with better insurance, the TD® Aeroplan® Visa Infinite* Card wins the game!

However, if the $60,000 minimum income requirement is too much for you, the American Express® Aeroplan®* Card is an excellent replacement.

The American Express® Aeroplan®* Card is distinguished by:

  • No minimum income
  • promotional offers that offset the cost of the annual fee

The TD® Aeroplan® Visa Infinite* Card is distinguished by:

  • its welcome offer easier to get
  • its earning rate
  • its superior travel insurance
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